Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,660Cash toward the purchase price.
Closing costs + prepaids$11,808Not just lender fees.
Before credits & paid funds$44,468The complete starting cash picture.
Estimated remaining funds due at closing
$44,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,659.65
Your down payment$32,659.65
Closing costs + prepaids$11,808.11
Total buyer cash needed$44,467.76
Remaining funds due$44,467.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,486.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$169.50
Prepaid interest, first (31 days)$1,633.91
Fees + prepaids$11,808.11
Your down payment is the seller’s equity. You take over the $297,340 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $44,467.76 is due at closing. Uses and sources reconcile at $341,808.11 each. Not a Closing Disclosure.